Evertec, Inc. · NYSE:EVTC
Evertec — Q3 2026 Earnings Presentation
29 slides from Evertec's earnings presentation, Nov 3, 2026
Slide 1: Third Quarter Earnings Conference Call
Third Quarter Earnings Conference Call November 3, 2026
Slide 2: Forward Looking Statements
Foward Looking Statements Certain statements in this presentation constitute “forward-looking statements” within the meaning of, and subject to the protection of, the Private Securities Litigation Reform Act of 1995. We intend such forward-looking statements to be covered by the safe harbor provisio
Slide 3: Business Overview
Business Overview Mac Schuessler, President and CEO 3
Slide 4: Digital adoption is accelerating across an underpenetrated financial market
1. THE OPPORTUNITY Digital adoption is accelerating across an underpenetrated financial market …while significant gaps remain in banking, payments Latin America’s digital transition is progressing… and credit1 Cash and branch- based banking › Digital and instant payment rails 30% remain unbanked Leg
Slide 5: A large and expanding market provides significant runway for growth
1. THE OPPORTUNITY A large and expanding market provides significant runway for growth Growth in payments and financial software spending underscores the scale of the modernization opportunity LATIN AMERICAN BANKING & INVESTMENT SERVICES SOFTWARE PAYMENTS MARKET GROWTH1 SPEND2 Latin America has been
Slide 6: Leadership across payments and software for financial institutions
2. OUR POSITION Leadership across payments and software for financial institutions SOFTWARE FOR FINANCIAL PAYMENT FACILITATOR INSTITUTIONS PAYMENTS NETWORK DIGITAL WALLET Leading payments processor Leading provider of software Owner and operator of ATH Leading digital payments in Latin America to fi
Slide 7: The region's leading institutions run on Evertec
2. OUR POSITION The region’s leading institutions run on Evertec Trusted by marquee clients across financial services, commerce and the public sector GOVERNMENT & PUBLIC FINANCIAL INSTITUTIONS MERCHANTS FINTECHS & PLATFORMS SECTOR Banks, funds, pensions, consortia and Retail, services and e-commerce
Slide 8: The financial infrastructure powering institutions across Latin America
2. OUR POSITION The financial infrastructure powering institutions across Latin America FINANCIAL SOFTWARE PAYMENTS Technology to run financial operations Technology to move money Fund and asset Payment networks Core banking Payment acceptance management (ATH) Transaction Digital and processing gove
Slide 9: A Pan-Regional Platform Built for the Complexity of Latin America
2. OUR POSITION A Pan-Regional Platform Built for the Complexity of Latin America M ARKET CHARACTERISTICS WHAT WE HAVE BUILT Regulation is national Licensing, data residency and oversight differ by 1 Operating resilience at scale 10B+ transactions a year market Mission-critical systems of record 2 E
Slide 10: A strategy executed consistently over more than a decade
3. HOW WE GROW A strategy executed consistently over more than a decade The acquisitions reflected a deliberate, multi-step expansion across markets, clients and solutions TODAY 2023–2026 T HE RESULT 2022 T HE BUILD PRE-2022 T HE UNLO CK A diversified, pan- 2015 regional financial T HE FO UND AT IO
Slide 11: Execution has fundamentally reshaped Evertec
3. HOW WE GROW Execution has fundamentally reshaped Evertec 2015 2015 2026 2026 FOOTPRINT Puerto Rico Serving Central America Serving most of Latin Puerto Rico and the Caribbean from America from offices in 11 Puerto Rico countries EMPLOYEES IN PUERTO RICO ~78% ~19% W H AT W E P R O V I D E Financia
Slide 12: Disciplined M&A built the capabilities for our next phase of growth
3. HOW WE GROW Disciplined M&A built the capabilities for our next phase of growth We pursue M&A opportunities that strengthen our platform and regional position while adding scalable capabilities, durable revenue streams and attractive returns Year Capability Platform Clients served Rationale Added
Slide 13: Financial Summary
Financial Summary Karla Cruz-Jusino, Chief Financial Officer 13
Slide 14: Consolidated Results Q3 2026
Consolidated Results Q3 2026 (in USD mm, except per share) Q3 2026 Y-o-Y % Revenue $283.0 24% Adjusted EBITDA $110.5 19% Adj. EBITDA margin 39.0% -150bps Adjusted Net Income $64.8 8% Adjusted EPS $1.07 16% ▪ Revenue growth driven by contributions from acquisitions completed in the current and prior
Slide 15: Merchant Acquiring Q3 2026
Merchant Acquiring Q3 2026 (in USD mm) Q3 2026 Y-o-Y % Revenue $51.0 9% Adjusted EBITDA $21.4 15% Adj. EBITDA margin 42.0% 220bps ▪ Revenue growth was driven by higher sales volume and transaction activity across both existing and new high-volume merchants, higher gas prices, as well as non-transact
Slide 16: Payment Services PR and Caribbean Q3 2026
Payment Services PR and Caribbean Q3 2026 (in USD mm) Q3 2026 Y-o-Y % Revenue $60.1 9% Adjusted EBITDA $34.2 14% Adj. EBITDA margin 56.8% 280bps ▪ Revenue growth was driven by strong POS transaction growth, reflecting healthy consumer activity in Puerto Rico; revenue from our partnership with a lead
Slide 17: Latin America Payments and Solutions Q3 2026
Latin America Payments and Solutions Q3 2026 (in USD mm) Q3 2026 Y-o-Y % Revenue $143.6 59% Adjusted EBITDA $43.2 77% Adj. EBITDA margin 30.1% 310bps ▪ Revenue growth was driven by the contribution from Tecnobank and Dimensa acquisitions, as well as organic growth across the region, supported by new
Slide 18: Business Solutions Q3 2026
Business Solutions Q3 2026 (in USD mm) Q3 2026 Y-o-Y % Revenue $58.6 -5% Adjusted EBITDA $20.6 -18% Adj. EBITDA margin 35.2% -550bps ▪ Revenue decrease primarily driven by the 10% contractual discount to Popular that began in October 2025, and non-recurrence of hardware sales in the prior-year quart
Slide 19: Corporate and Other Q3 2026
Corporate and Other Q3 2026 (in USD mm) Q3 2026 Y-o-Y % Adjusted EBITDA ($9.0) 66% % of Total Revenue 3.2% ▪ Corporate and Other Adjusted EBITDA as a percentage of total revenues of 3.2%. Refer to Non--GAAP reconciliation summary in the Appendix 19
Slide 20: Roll Forward Q3 2026 Cash Balance
Roll Forward Q3 2026 Cash Balance Operating Activities $176 Debt (Net) & Other4 Beginning $135 Balance1 CAPEX FX Ending ($75) $348 Balance2 $23 $329 Share Repurchases Dimensa & & Dividends BBChain ($92) Acquisitions3 ($187) 12/31/2025 09/30/2026 (1) Includes ~$26M in restricted cash and ~$16M in cas
Slide 21: Debt Summary
Debt Summary ($ in millions) 9/30/26 9/30/25 Unrestricted Cash $284.1 $474.7 Total Debt $1,295.7 $1,106.5 Term A Loan (2027 Maturity) S+225bps 387.8 411.7 Term B Loan (2030 Maturity) S+225bps 875.0 540.0 Revolver ($200M) S+225bps 30.0 150.0 Other 2.8 4.8 EVTC Net Debt $1,011.6 $631.8 Lev. Ratio Net
Slide 22: Outlook 2026
Outlook 2026 (in USD mm, except per share) Low High Total Revenue $1,088 $1,096 Growth, % reported 16.7% 17.6% Growth, % constant currency(1) 14.5% 15.4% GAAP EPS – Diluted $1.66 $1.74 Adjusted EPS $4.00 $4.08 Growth % reported 10.5% 12.7% Growth, % constant currency(1) 9.4% 11.6% Capital Expenditur
Slide 23: Q&A
Q&A 23
Slide 24: Appendix
Appendix 24
Slide 25: Non-GAAP Reconciliation Summary
Non-GAAP Reconciliation Summary The non-GAAP measures referenced in this earnings release are supplemental measures of the Company’s performance and are not required by, or presented in accordance with, accounting principles generally accepted in the United States of America (“GAAP”). They are not m
Slide 26: Reconciliation of GAAP to Non-GAAP Operating Results
Reconciliation of GAAP to Non-GAAP Operating Results Three Months Ended September 30, (Dollar amounts in thousands) 2026 2025 Revenue $282,994 $228,587 Currency Adjustment - Constant(1) (6,003) — Constant Currency Revenue $276,991 $228,587 Net income 31,513 33,460 Income tax expense (benefit) 3,550
Slide 27: Reconciliation of Q3 2026 and Q3 2025 Segment Non-GAAP Results
Reconciliation of Q3 2026 and Q3 2025 Segment Non-GAAP Results Quarter ended September 30, 2026 Payment Services - Latin America Puerto Rico & Payments and Merchant Business Total Reportable Corporate and (In thousands) Caribbean Solutions Acquiring, net Solutions Segments Other (1) Total Revenues $
Slide 28: Outlook Summary and Non-GAAP Reconciliation
Outlook Summary and Non-GAAP Reconciliation Outlook 2026 2025 (Dollar amounts in millions, except per share data) Low High Revenues (GAAP) $1,088 to $1,096 $932 Currency adjustment - constant(1) (21) (21) Constant currency revenues (Non-GAAP) 1,067 1,075 Earnings per Share (EPS) (GAAP) $1.66 to $1.7
Slide 29: gracias, thanks, obrigado!
gracias, thanks, obrigado! technology of the possible evertecinc.com 29